Bank A has a loan-to-deposit ratio of 75%, core deposits equal 62% of total assets and borrowed funds are 5% of assets. Bank B has a loan-to-deposit ratio of 120%. Core deposits are 55% of assets and borrowed funds are 20% of assets. Which bank has more liquidity risk? Everything being equal, which bank will probably be more profitable when interest rates are low?

(A) Bank A; Bank B

(B) Bank A; Bank B

(C) Bank B; Bank A

(D) Bank B; Bank B